Cash-out refinance lenders in Onondaga County, New York
Fat Boy Data analyzed cash-out refinance activity in Onondaga County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,679 applications were decided by 95 lenders between 2023 and 2025.
Onondaga County at a glance
How Onondaga County compares
What the data shows
Empower Federal Credit Union made the most cash-out refinances in Onondaga County, NY, 1,019 of them.
That is 36% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Sidney Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.
Lenders approved 78.3% of cash-out refinance applications in Onondaga County, NY, 5.8 percentage points above the New York rate of 72.6%.
The typical cash-out refinance here is $145K, 22% smaller than the New York typical of $185K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Onondaga County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Empower Federal Credit Union | 88% | 1,036 / 1,181 | 98% | $95K | 1,019 |
| 2 | Rocket Mortgage, LLC | 79% | 758 / 959 | 98% | $145K | 740 |
| 3 | KeyBank National Association | 67% | 84 / 125 | 96% | $155K | 81 |
| 4 | Nationstar Mortgage LLC | 80% | 84 / 105 | 100% | $155K | 84 |
| 5 | Loandepot.Com, LLC | 72% | 61 / 85 | 97% | $185K | 59 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 90 more lenders.
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